Life Insurance Solutions

A crucial part of your financial plan, life insurance can help protect your family.

Why do I Need Life Insurance?
You may not want to think about what would happen if you were to die tomorrow, but if someone relies on you financially, you probably need life insurance. And you’re not alone! In a recent survey, more than two in three Americans (43%) said they would feel the financial impact from the loss of a primary wage earner1 within six months and nearly one-third (30%) of Americans say they need more life insurance.
What is Life Insurance?
Think of it as a contract involving three parties – an insured person, a life insurance provider and a beneficiary. When the insured person dies, the contract stipulates that, following the filing of a death claim, the life insurance provider pays a sum of money to the beneficiary or beneficiaries. But the impact of life insurance is far-reaching. It can make all the difference to your loved ones by enabling them to enjoy the lifestyle you planned for them, even when you’re no longer here.
 
Life insurance can be used to cover burial expenses, pay the mortgage, fund your child’s education, and provide a nest egg for your family or 
favorite charity. Permanent life insurance can help you accumulate cash value on a tax-deferred basis to supplement your retirement savings.
Plan Today so Your Family Doesn't Have to in the Future
All of us will likely have to face the death of a close family member at some time in our lives.
Worry about how to cover funeral costs just adds to the pain and grief we are experiencing.
According to the National Funeral Directors Association, the median cost of a funeral, including vault, in 2014
Was $8,508 And this cost does not include the cemetery plot, monument, flowers, obituary or other cash expenses,
This could push the cost well over $10,000.
Health Benefit Options can help the burden of these costs on your family when they already have many concerns. 
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